Privacy Policy

1. Introduction

Resolution Equity ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website at resolutioneq.com or interact with us in connection with our mortgage brokerage services.

This policy complies with applicable federal privacy laws, including the Gramm-Leach-Bliley Act (GLBA), and California privacy laws, including the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA).

2. Information We Collect

We may collect the following categories of personal information:

• Identifiers: Name, email address, phone number, mailing address, IP address, and similar identifiers.
• Financial Information: Income, assets, credit history, employment information, and other data necessary to process a mortgage application.
• Commercial Information: Records of products or services you have inquired about or obtained from us.
• Internet or Network Activity: Browsing history on our Site, search queries, and interactions with our web pages.
• Geolocation Data: General location information derived from your IP address.
• Inferences: Information drawn from the above to create a profile about your preferences or characteristics.

We collect this information directly from you (via contact forms, loan applications, and phone calls), automatically (via cookies and similar technologies), and from third parties (such as credit bureaus and referral partners).

3. How We Use Your Information

We use the personal information we collect for the following purposes:

• To process and evaluate mortgage loan applications
• To communicate with you about your inquiry or loan
• To comply with legal and regulatory obligations
• To improve our website and services
• To send you information about our products and services (with your consent where required)
• To detect and prevent fraud and security incidents
• To respond to law enforcement requests and as required by applicable law

4. Sharing of Personal Information

We do not sell your personal information. We may share your information with:

• Lenders and Wholesale Partners: To submit and process your loan application.
• Service Providers: Third parties who assist us in operating our website or conducting our business (e.g., technology vendors, appraisers, title companies), subject to confidentiality obligations.
• Credit Bureaus: As required for credit evaluation.
• Government and Regulatory Agencies: As required by law, including the California Department of Real Estate (DRE) and the Consumer Financial Protection Bureau (CFPB).
• Legal Proceedings: When required by court order, subpoena, or other legal process.

5. California Privacy Rights (CCPA / CPRA)

If you are a California resident, you have the following rights under the CCPA as amended by the CPRA:

• Right to Know: You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you, the sources of that information, our business or commercial purpose for collecting it, and the categories of third parties with whom we share it.
• Right to Delete: You have the right to request that we delete personal information we have collected from you, subject to certain exceptions (such as information required to complete a transaction or comply with a legal obligation).
• Right to Correct: You have the right to request that we correct inaccurate personal information we maintain about you.
• Right to Opt-Out of Sale or Sharing: We do not sell or share your personal information for cross-context behavioral advertising. If this practice changes, we will update this policy and provide an opt-out mechanism.
• Right to Limit Use of Sensitive Personal Information: You have the right to limit our use of sensitive personal information to that which is necessary to perform the services you requested.
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA/CPRA rights.

To exercise any of these rights, please contact us using the information in Section 10 below. We will respond to verifiable consumer requests within 45 days as required by law.

6. Gramm-Leach-Bliley Act (GLBA) Notice

As a mortgage broker, we are subject to the federal Gramm-Leach-Bliley Act. We collect nonpublic personal information about you in connection with providing financial products and services. We limit the sharing of your nonpublic personal information with nonaffiliated third parties as permitted by law. You may have the right to opt out of certain sharing of your information. For more information, please contact us.

7. Cookies and Tracking Technologies

Our Site may use cookies and similar tracking technologies to enhance your experience. Cookies are small data files stored on your device. We may use:

• Essential Cookies: Necessary for the Site to function properly.
• Analytics Cookies: To understand how visitors interact with our Site. We use Google Analytics 4 (GA4), a service provided by Google LLC. GA4 collects information such as pages visited, time spent on pages, and general geographic location. You may opt out of GA4 tracking at any time using the "Opt Out" option in our cookie notice.
• CRM & Marketing Cookies: We use HubSpot, a customer relationship management platform provided by HubSpot, Inc. HubSpot may set cookies to track form submissions and visitor interactions for the purpose of managing partner and customer inquiries.

You can control cookies through your browser settings or by using the "Opt Out" option in our cookie notice. Disabling cookies may affect the functionality of certain parts of our Site.

8. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security of your information.

9. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, comply with our legal obligations, resolve disputes, and enforce our agreements. Mortgage-related records are retained in accordance with applicable federal and California recordkeeping requirements.

10. Contact Us / Submit a Privacy Request

To exercise your privacy rights, submit a request, or ask questions about this policy, please contact us:

We will verify your identity before processing any request. We will respond within 45 days of receiving a verifiable request, or notify you if we require additional time (up to 90 days total).

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will post any changes on this page with an updated "Last updated" date. We encourage you to review this policy periodically. Your continued use of the Site after any changes constitutes your acceptance of the revised policy.